Faktor-Faktor yang Mempengaruhi Keikutsertaan Peternak pada Program Asuransi Usaha Ternak Sapi (AUTS) di Kabupaten Tabalong

Fitri Yanti Agustina, Muhammad Fauzi, Yudi Ferianta

Abstract


Program Asuransi Usaha Ternak Sapi (AUTS) diluncurkan pemerintah Indonesia sejak 2016 sebagai instrumen mitigasi risiko dengan subsidi premi 80%, namun tingkat partisipasi menunjukkan fluktuasi dan variasi antar wilayah. Penelitian ini bertujuan mengidentifikasi karakteristik peternak peserta dan bukan peserta program AUTS, serta menganalisis pengaruh pengalaman usaha, keaktifan dalam kelompok, skala usaha, persepsi risiko, dan persepsi manfaat terhadap keputusan keikutsertaan. Penelitian dilaksanakan di Kabupaten Tabalong, Kalimantan Selatan pada Oktober-Desember 2025 dengan 100 responden yang terdiri dari 44 peserta dan 56 bukan peserta AUTS, dipilih melalui penarikan sampel acak berstrata. Data dianalisis menggunakan statistik deskriptif, uji t independen, uji chi-square, dan regresi logistik biner. Hasil penelitian menunjukkan tingkat adopsi AUTS mencapai 44% dengan variasi antar desa dari 0% hingga 100%. Mayoritas peternak berpengalaman lebih dari 5 tahun (85%) dan memiliki persepsi manfaat positif (79%), namun hanya 32% yang aktif dalam kelompok tani. Model regresi logistik menunjukkan kualitas yang baik dengan akurasi prediksi 77%, AUC 0,847, dan Nagelkerke R²=0,471. Tiga variabel berpengaruh terhadap keikutsertaan: keaktifan dalam kelompok (odds ratio=19,923, p<0,001) sebagai prediktor terkuat, persepsi manfaat (odds ratio=8,576, p=0,013), dan persepsi risiko (odds ratio=0,151, p=0,006) dengan arah negatif yang berlawanan dengan teori. Pengalaman usaha dan skala usaha tidak berpengaruh. Penelitian ini mengkonfirmasi bahwa keputusan keikutsertaan AUTS lebih ditentukan oleh faktor sosial dan kognitif dibanding karakteristik struktural peternak. Penguatan kelompok tani dan strategi komunikasi berbasis manfaat konkret menjadi kunci keberhasilan program.

Keywords


asuransi ternak, AUTS, keaktifan kelompok, persepsi manfaat, regresi logistik

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DOI: http://dx.doi.org/10.25157/ma.v12i2.23778

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